Richard Loth

  • • Nearly 40 years of experience in banking, corporate financial consulting, and non-profit development assistance programs
  • • Accomplished educator with more than 37 years in teaching the public about investing
  • • Author of five books on investing


Richard career spans nearly four decades and includes expertise in international banking, corporate financing, and foreign development assistance programs which focused on Latin America, Africa, and the Far East. He background includes work for Citibank, the Fleet National Bank, and the Bank of Montreal in the capacity of risk analyst, lending officer, and as an independent financial consultant.

Richard is an accomplished and dedicated educator. He has more than 37 years of involvement in teaching the public about investing. He has taught at Georgetown University Business School, the University of Maine–Hutchinson Center, and lectured at the Vail Campus of the Colorado Mountain College. He also conducts investment workshops at several public libraries in Colorado. In 2012, Richard started the Fund Investor’s Schoolhouse™, to teach about mutual fund investing, available at

His published works include five books including the Annual Report Glossary, How to Profit from Reading Annual Reports, Select Winning Stocks Using Financial Statements, Finding Investment Quality in a Mutual Fund, and Exceptional Mutual Fund Investing Know-How From Morningstar. Richard also authored an American Stock Exchange public affairs brochure, The Shareholder’s Glossary. Richard writes numerous investment articles for various media outlets including Forbes, Investopedia, and Yahoo Finance, and in community newspapers.


Richard received his Bachelor of Foreign Trade in Political Science and International Business from the American Graduate School of International Management. He also received his Bachelor of Arts from the University of Vermont. He earned his Master of Arts from the University of Colorado.

Professional Designations

Richard holds a Financial Industry Regulatory Authority (FINRA) designation, as well as Series 7, 63, and 65 licenses.

Investopedia and Dotdash

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  1. Financial Analysis

    Understanding the Income Statement

    The best way to analyze a company - and figure out if it's worth investing in - is to know how to dissect its income statement. ...
  2. Financial Analysis

    What does it mean when my broker says that shares are for auction?

    An auction market is one in which stock buyers enter competitive bids and stock sellers enter competitive offers at the same ...
  3. Money Market Deposit Accounts

    What Is A Money Market Fund?

    Learn how money market funds provide security, but the returns may not be adequate for long-term investors.
  4. Financial Analysis

    Analyze cash flow the easy way

    Learn the key components of the cash flow statement, how to analyze and interpret changes in cash, and what improved free ...
  5. Financial Analysis

    12 things you need to know about financial statements

    Before investing, discover 12 characteristics of financial statements that can help you evaluate companies and increase your ...
  6. Mutual Funds

    5 Ways to Measure Mutual Fund Risk

    Statistical measures such as alpha and beta can help investors understand investment risk on mutual funds and how it relates ...
  7. Mutual Funds

    How Do I Find Mutual Funds That Track Indexes?

    Two good sources for finding index funds are Fidelity Investments and Vanguard.
  8. Mutual Funds

    Can I Sell Mutual Fund Shares Below Value?

    Yes. You can freely buy and sell shares of a mutual fund regardless of any initial purchase amount.
  9. Mutual Funds

    Can I Buy Mutual Funds With a Margin Account?

    Because of the pricing/trading mechanisms used with mutual funds, they cannot be bought on margin.
  10. Mutual Funds

    Can You Place a Stop-Loss Order on a Mutual Fund?

    Limit orders and stop-loss orders do not apply to the trading of mutual fund shares.
  11. Investing Strategy

    The share price and company's secondary offering

    When a company increases the number of shares issued through a secondary offering, it generally has a negative effect on ...
  12. Investing

    Determining a Firm's Percentage of Credit Sales

    Find out where to look for information about determining a company's percentage of credit sales.
  13. Stocks

    How Can Institutional Holdings Be More Than 100%?

    No entity can own more than 100% of a company's outstanding shares, but it can be reported that way.
  14. Investing

    Working Capital Position

    Learn how to determine a company's working capital position to correctly analyze liquidity.
  15. Financial Analysis

    Breaking Down The Balance Sheet

    Knowing what the company's financial statements mean will help you to analyze your investments.
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